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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,199 | $98,766-72.5% | $149,730-81.8% | $79,852-65.9% |
| Participation rate | 77.3% | 75.8%+1.5pp | 82.5%-5.2pp | 69.6%+7.6pp |
| Annual return | 32.10% | 27.43%+4.7pp | 276.70%-244.6pp | 31.72%+0.4pp |
| Employer contribution / active EE | $1,859 | $3,217-42.2% | $4,645-60.0% | $2,471-24.8% |
| Participant deferral / active EE | $5,639 | $5,681-0.7% | $6,843-17.6% | $3,740+50.8% |
| Admin fee / account holder | $1,440 | $6,052-76.2% | $9,310-84.5% | $5,306-72.9% |